After frustrating conversations with Fleet (used to be Advanta), I closed my account. Little did I know, they could raise my APR once closed. They have raised my APR from 9.9% to 27.64% over the course of the past ten months since i've closed my account. I can not afford to pay off the balance in full, nor do I have resources available for a balance transfer. Bankruptcy is certainly the last thing I will do. I asked them to lower the APR as I have made all my payments on time and have paid more than the minimum due each month. They said they could not adjust the APR because the account is closed. So I asked if they could re-open the account...after finding out I switched employers six months ago, their criteria was that I have not been with my present employer long enough and/or my debt-credit ratio was not the score they required. Any suggestions?

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